Real Estate Loans

Home loans from a broker who grew up in CA. Buy, refinance, remodel, tap your equity, or retire with a reverse mortgage.

Start my application949-463-9898

Jevon Perra, NMLS #1006038, CA DRE #01716773. My Bridge Loans Corporation, NMLS #2869596, CA DRE corporate license. Equal Housing Opportunity.

What do you want your home loan to do?

Four ways to use a home loan

Each page explains how the loan works, who it fits, and the mistakes that cost people money.

Remodel

Renovation and construction loans, or use the equity you already have to remodel.

How it works and what to watch for 02

Purchase

Conventional, FHA, VA, jumbo, first-time buyer and bank statement loans to buy a home.

How it works and what to watch for 03

Refi. Cash-Out. HELOC.

Lower the payment, change the term, take cash out, or open a line of credit.

How it works and what to watch for 04

Reverse

For homeowners 62 and older who want to stay home with no monthly mortgage payment.

How it works and what to watch for

Loan programs

As a broker, Jevon compares wholesale lenders for your file instead of fitting you into one bank's menu.

ConventionalPurchase or refinance with standard documentation.

FHAFlexible credit guidelines, popular with first-time buyers.

VAFor eligible veterans, service members and surviving spouses.

JumboLoan amounts above conventional limits.

First-time buyerPrograms and down payment assistance for first homes.

Bank statement (non-QM)For self-employed borrowers whose tax returns understate income.

Cash-out refinanceReplace your mortgage with a larger one and take the difference.

HELOCA line of credit behind your current mortgage.

Reverse mortgageFor homeowners 62 and older, including HECM for Purchase.

Renovation and constructionFHA 203(k), Fannie Mae renovation and construction, bank and private-money programs.

Second homesFinancing for a vacation or second home in California.

From application to keys

The same four steps whether you are buying, refinancing or taking cash out.

Step 1Apply

Online or by phone. You get a call back the same day with what you qualify for and what documents are needed.

Step 2Review

Your file goes to underwriting early. Buyers can have income, credit and assets reviewed before they write an offer.

Step 3Approval

Credit, income, assets and the property are all signed off, including the appraisal.

Step 4Clear to close

You sign, the loan funds, and you get the keys or the cash.

What clients say

"This was my first experience in real estate. My realtor buddy works with Jevon exclusively and after my experience, I definitely understand why. Not only is Jevon a great dude, he took the time out to answer every single (dumb) question I had and made sure that I felt comfortable throughout the process. When I found the home I wanted to buy, I was asked to cross qualify with the seller's mortgage company. When I spoke with them, they told me that they knew Jevon and said he was a good guy and that I was all set. He said 'if Jevon says you're good, you're good.' When the competition praises you, you have to be doing something right! I highly recommend working with Jevon and team!"

Steve V. First-time home buyer

"I cannot say enough about how much Jevon and team did for us to make our purchase happen! The care and patience they had from beginning to end was amazing. I can pretty much say with 100% certainty that no one else could have helped the loan go through especially with the terms we were looking for. Highly recommended!"

Sam R. Home buyer

Your broker: Jevon Perra

Jevon grew up on his family's job sites in Southern California, building and remodeling multifamily properties. He has been in lending since 2004 and is a licensed California real estate broker and mortgage loan originator.

He runs every loan himself, from the first call to the closing table, and answers his own phone. He lives in Fountain Valley with his family.

More about Jevon

Need to buy before you sell, or a loan a bank won't do?

My Bridge Loans funds short-term, private-money bridge loans secured by real estate, with a same-day answer on your scenario.

Go to My Bridge Loans

Questions

Is Perra Home Loans a lender or a broker?

A mortgage broker. Jevon Perra shops your loan to wholesale lenders and picks the one that fits your situation, then runs the file himself from application to closing. Perra Home Loans is a website of My Bridge Loans Corporation.

Where do you lend?

Consumer home loans, including purchase, refinance, HELOC and reverse mortgages, are offered in California only. Jevon is based in Fountain Valley in Orange County.

Who will I actually talk to?

Jevon Perra, the licensed broker. There is no call center and no handoff to a processor you never meet.

Do you do construction loans?

Yes. As a broker, Jevon places construction and renovation loans with lenders that offer them, including FHA 203(k), Fannie Mae renovation and construction programs, bank portfolio programs, and private-money construction loans. Bring the plans and budget and he will match you with the lender that fits.

How do I start?

Call 949-463-9898 or send the form on this page. One conversation is enough to tell you which loan fits and what documents you will need.

Start my application

Tell me what you want to do and the best way to reach you. I reply the same day.

Call or text949-463-9898